Hillsborough County property record for 18809 Chopin Dr, Lutz, FL 33558
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4.5 ba · 3,932 sqft · built 2002 |
| Lot Size | 0.222 acres (9,674 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $595,000 (Aug 2019) |
| Tax Bill | $9,925 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012945-4550 |
| Primary APN | 012945-4550 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,932 sqft Living Area |
| Gross Area | 4,823 sqft |
| 1st Floor Area | 1,022 sqft |
| 2nd Floor Area | 2,700 sqft |
| Upper Floors Area | 210 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Contemporary |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 9,674 sqft (0.222 acres) |
| Lot Dimensions | 123 ft deep x 85 ft wide |
| View / Lot | Pond |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 364 sqft |
| Porch | Open Porch |
| Porch Area | 281 sqft |
| Deck Area | Deck Area |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 0129454550 |
|---|---|
| Street Address | 18809 CHOPIN DR |
| City | LUTZ |
| State | FL |
| Zip | 33558-2877 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | CHEVAL WEST VILLAGE 6 LOT 25 BLOCK 5 |
| Legal Range | 18E |
| Legal Township | 27S |
| Legal Section | 07 |
| Legal Subdivision | CHEVAL WEST VILLAGE 6 |
| Legal Tract | HY |
| Legal Block | 5 |
| Legal Lot Number | 25 |
| Jurisdiction | HILLSBOROUGH FL |
| Township / Civil Division | KEYSTONE-CITRUS PARK |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11521 |
18809 Chopin Dr is owned and occupied by two individuals who bought it in August 2019.
Source: Hillsborough County records, as of September 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18809 CHOPIN DR, LUTZ, FL 33558-2877 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| Aug 7, 2019 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on File |
| Deed Sale | Aug 7, 2019 · Amount on File |
| Prior Sale | Jul 18, 2013 · Amount on File |
| Deed Document Number | 2019339955 |
| Deed Book / Page | 26851 / 1155 |
| Prior Transfer Date | May 20, 2010 |
| Prior Transfer Doc | 0000180236 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Property Address | 18809 CHOPIN DR, LUTZ, FL 33558-2877 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Name | Verified Name |
|---|---|
| Address | 18809 CHOPIN DR, LUTZ, FL 33558-2877 |
| Document Number | 2021097550 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 2021097550 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | NEW YORK, NY 10007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HILLSBOROUGH FL |
| Recording Date | Aug 7, 2019 |
| Property Address | 18809 CHOPIN DR, LUTZ, FL 33558-2877 |
| Document Number | 0268511155 |
| Book / Page | 026851 / 001155 |
| Instrument Date | Aug 5, 2019 |
| Instrument | 339955 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2019 |
| Title Company | AMERICAN GUARDIAN TITLE AND ESCROW LLC, AMERICAN GUARDIAN TITLE & ESCR |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18809 CHOPIN DR LUTZ FL 335582877, LUTZ, FL 33558-2877 |
| Document Number | 268511156 |
|---|---|
| Date | Aug 7, 2019 |
| Book Page | 026851/001156 |
| Instrument | 339956 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 6, 2049 |
The 2025 property tax bill for 18809 Chopin Dr was $9,925 with a homeowner's exemption.
Source: Hillsborough County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Hillsborough County |
| Unified School District | Hillsborough County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $446,277 (+2.7%) | $751,002 (-1.09%) Land $182,633 Building $568,369 | |
| 2025 | $9,925.00 Homeowner's exemption | $434,544 | $759,308 Land $182,633 Building $576,675 |
| 2023 | $8,967.00 (+4.18%) Homeowner's exemption | $409,997 (+3%) | $701,105 (+1.79%) Land $159,068 Building $542,037 |
| 2022 | $8,607.00 Homeowner's exemption | $398,055 | $688,768 Land $141,393 Building $547,375 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18809 Chopin Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2011 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 18809 Chopin Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HCWRC/NORTHWEST UTILITIES serves 208,982 people · EPA ID FL6290388 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
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